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The Real-Tea Podcast is Available Now!

by | Mar 12, 2024 | BLOG, Buyers, Client Testimonials, Commercial Properties, Current Events, Estate Planning, Facing Foreclosure, GLOBAL, Investor Relations, LENDERS, Military, Neighbor Chat, Networking, Podcast, Real Estate News, Real Homes to Love, Sellers, Senior Living

We hinted about a project late last year, and are happy to announce that The Real-Tea Podcast is Available Now!

This twist on a Real Estate Podcast presents from a Professional view with a Client Perspective, join Tammy Murphy and Elle Sollenberger, as they spill The Real-Tea about buying and selling Real Estate.  You will get to meet our hosts and learn what brought the Realtor and Client together for this fun and sometimes quirky podcast. The years they have shared in working together in multiple deals and different market scenarios is beneficial for anyone looking to Buy or Sell a house.

Curious about our episodes??

check it out on YouTube (video) https://www.youtube.com/@realhomestolove3939/podcasts

or Spotify (audio only) https://podcasters.spotify.com/pod/show/real-homes-to-love

Protect Yourself from Deed Fraud

by | Dec 22, 2023 | Buyers, Neighbor Chat, Real Estate News, Real Homes to Love, Sellers, Senior Living

This year has been especially difficult for the real estate market – and in many ways has opened our eyes to be ever more diligent about PROTECTION and RIGHTS.  Along that lines, criminals seek opportunities to take advantage of a chaotic environment and rely upon those not keeping up with all the things going on / happening.  Our desire is to PROTECT YOUR RIGHTS in Real Estate and assist with helpful information – so please take this message as your PSA to: Protect Yourself from Deed Fraud.

Naturally, if you are in the process of buying a home with us, we are going to share with you the BENEFITS OF A TITLE POLICY – and we have seen a number of instances where the client DID follow our advice and ultimately this SAVED THEM from title troubles and legal costs to correct.  While ultimately it is the client’s decision as to if they want to purchase a title policy, we believe that being INFORMED and EDUCATED about What is a Title Policy and What does it do for YOU – is the best way to ensure you make the right decision for yourself.

Our counties have registered an INCREASE in Fraudulent DEED ACTIVITIES in 2023, and for this reason, many counties are taking actions to establish further steps in the recording process, as well as setting up notification systems.  Even if you are not buying a home anytime soon, or for that matter, even if you do not plan to SELL your home – having a FRAUD ALERT set on your DEED with the County CAN HELP PROTECT YOU.  “The sooner you know something is wrong – the sooner you can do something about it.”

This is a FREE alert system and can be easily setup by going online to https://riss.mcrecorder.org/mcrecorder.org_redirect.cfm or by calling them at 937-225-4275.

Montgomery County DEED Fraud Alert Info

FREE Estate Planning Workshop

by | Aug 11, 2023 | Estate Planning, Neighbor Chat, Networking, Real Estate News, Senior Living

Our “Building a Secure Future: Estate Planning and Real Estate Workshop” is planned for Thursday, August 24, 2023 and will be held from 11 AM – 1 PM.  This FREE event will be held at the American Legion Post 598 at 5700 Kentshire Drive, Kettering OH 45440.  Please reserve your seat in advance so that we can adequately be prepared with Refreshments and Hand-outs!

We have Attorney, Nancy Ann Roberson of Roberson Law to speak about Estate Planning and to answer YOUR QUESTIONS on Building a Secure Future!  Planning in advance of medical or life-changing situations is KEY to protecting your assets!

Tammy Murphy, REALTOR, will also be available to answer any REAL ESTATE questions, and is proud to HOST this FREE event.

Additional partners will be available to answer questions having to do with LOANS / TITLE / INSURANCE and FINANCIAL PLANNING.

Estate Planning & Real Estate WORKSHOP w Sponsors flyer

Union Home Mortgage logo      Partners Land Title logo   Allstate Logo

REGISTER NOW

Estate Planning & Real Estate Workshop RSVP

Building a Secure Future: Estate Planning and Real Estate Workshop

by | Jul 18, 2023 | BLOG, Current Events, Estate Planning, Neighbor Chat, Networking, Real Estate News, Real Homes to Love, Senior Living, Workshop / Seminars

Our “Building a Secure Future: Estate Planning and Real Estate Workshop” is planned for Thursday, August 24, 2023 and will be held from 11 AM – 1 PM.  This FREE event will be held at the American Legion Post 598 at 5700 Kentshire Drive, Kettering OH 45440.  Please reserve your seat in advance so that we can adequately be prepared with Refreshments and Hand-outs!

Here are a few Helpful Tips to Assist Planning for You & Your Loved Ones:

  1. Start Early: Begin your estate planning process as soon as possible. Don’t wait until it’s too late or you’re faced with an unexpected event. Planning ahead allows you to make informed decisions and ensures that your wishes are carried out effectively.
  2. Define Your Objectives: Clearly identify your goals and objectives for estate planning. Whether it’s protecting your assets, minimizing taxes, providing for your loved ones, or supporting charitable causes, having a clear vision will guide your planning process.
  3. Create a Comprehensive Estate Plan: A well-rounded estate plan typically includes a will, power of attorney, healthcare directives, and trusts. Tailor these documents to your specific needs and circumstances, considering factors such as real estate holdings, investments, business interests, and family dynamics.
  4. Regularly Review and Update: Life circumstances change over time, so it’s crucial to review and update your estate plan periodically. Major life events like marriage, divorce, births, deaths, or significant financial changes may require adjustments to your plan.
  5. Involve Trusted Professionals: Seek the guidance of experienced professionals such as estate planning attorneys, financial advisors, and tax experts. They can help you navigate complex legal and financial matters, ensuring your plan aligns with applicable laws and maximizes your benefits.
  6. Consider Long-Term Care: Incorporate provisions in your estate plan to address potential long-term care needs. This may involve setting up healthcare proxies, living wills, or establishing trusts to safeguard assets and provide for your care in the event of incapacity.
  7. Maximize Real Estate Planning: Real estate is often a significant asset in an estate. Consider how to pass on property to heirs efficiently, minimize tax implications, and explore strategies like gifting, trusts, or establishing family limited partnerships to manage and protect your real estate assets. Working with your Trusted Realtor is a start to ensure timing in the market is maximized.
  8. Communicate with Loved Ones: Openly discuss your estate planning intentions with your family and loved ones. Clear communication can help prevent misunderstandings, disputes, and challenges in the future. It also allows you to address any concerns and provide explanations for your decisions.
  9. Continually Educate Yourself: Stay informed about changes in estate planning laws, tax regulations, and financial strategies. Attend workshops, seminars, or seek educational resources to enhance your knowledge and make informed decisions.
  10. Seek Professional Guidance: While this list provides helpful tips, it’s important to remember that every individual’s situation is unique. Therefore, consult with a qualified estate planning professional who can provide personalized guidance based on your specific circumstances and goals.
Estate Planning & Real Estate Workshop image

Dementia – not just Alzheimers

by | Oct 14, 2017 | Senior Living

Alzheimers and Dementia are greatly confused and misunderstood by people.  I have often been asked by families: What is the difference between Dementia and Alzheimers; What are the stages of Alzheimers; Is there a cure?  While I am not a doctor, nor do I intend to give medical advice – I do work with individuals who are diagnosed with these conditions – and more importantly, my interaction with the family members has given me a perspective to share.

Alzheimers is the likely diagnosis that people receive – and there are a number of stages as to the illness and effects.  In early stages it may appear to be just a mental lapse or forgotten details.  It is difficult as a family member to see these changes take place and when compounded with a potential health risk for someone living independently – the reality of a move is sometimes daunting. My personal experiences as an Occupational Therapist Assistant now combined with being a professional REALTOR, Senior Real Estate Specialist, all helps to ensure my compassionate service to assist you and your loved ones in making the right real estate and potential living arrangements.

Read these articles for more information on the differences between Alzheimers and Dementia

http://www.alzheimers.net/difference-between-alzheimers-and-dementia/

http://www.alzheimers.net/stages-of-alzheimers-disease/

http://www.express.co.uk/life-style/health/793989/Dementia-news-drugs-breakthrough-experts-hunt-cure

 

Union Savings Bank

by | Mar 7, 2017 | Commercial Properties, Investor Relations, LENDERS, LOT / LAND, Military, Real Estate News, Senior Living

UPDATE June 2023:  The following post information and materials contained is NO LONGER BE AVAILABLE.    Understanding that loan programs and contacts are always subject to change is critical to ensuring you have timely access and up to date information.

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With so many choices for lenders out there – you may often wonder, what’s the difference?  We like to let our client’s know that sometimes it is a matter of personalities, but often times – you want to compare rates and closing costs to ensure you are getting the best deal possible.  Other times – it is just knowing that the lender is IN IT with YOU and willing to make the process work, or take the extra time you might need to get the financing, or to help answer questions or so many other pieces of the puzzle that may need to “fit” to get your into the home “loan” for your budget.

I love when a lender is available to take calls, responds to emails, when they are PROACTIVE in working together and when they find the “right program” to fit our client’s needs!

$250 Closing Costs Union Savings flyer

Blanket Loan Union Savings Flyer

Commercial Real Estate Loans Union Savings

Communities First Down Payment Program Union Savings Flyer

Construction Loans Union Savings Flyer

How to get Pre Qualified UNION SAVINGS Flyer

Union Savings JOE WOMACKS lender programs

VA Loan Programs Union Savings Flyer